How to manage your money with the remaining 1,000 per month

is only 1,000 yuan, and if you exclude the cost of food, housing and living, the maximum amount left is three or two hundred. If you save money for only 32,000 a year, 20,000 or 30,000 yuan in ten years is not of much use. Isn't it possible to spend money in this decade? So just saving money can't do it!

It's better to buy lottery tickets, bet on him once a month, don't buy ten, then the probability is too small, the probability of hundreds is greater, ten opportunities to make a fortune in a year, do you say it's okay? Of course, this depends on your good fortune!

You may want to save some money during the period when you are not rich!!

You can learn about the ** regular investment business in the bank, and the regular investment is not much, which is more suitable and the income is relatively high.

**Regular investment. ABC now has a minimum of $100 per month. Now the most cost-effective is to save a fixed term and have a high interest.

Awesome, I still have a salary left every month, and I don't have enough of it! Financial management to have experience, if you don't know much about financial products, or don't use it casually, financial management is risky, if you want to be stable, or save Yu Bao.

Several people around me have told me that if you want to manage your finances, you must do it as soon as possible, the sooner the better, in fact, most people don't have any financial management rules, and they can't help but buy a lot of unnecessary things at home, maybe they have never used it again after using it twice, such as bags and shoes bought by women, and SLRs bought by men.

So, in most cases, I think too well, and you may not be able to save this 1,000 yuan a month.

When did Lu Hui start your financial regular investment?

There is no doubt that from now on, it will never be too late. Why should you start? Regardless of the beautiful vision of making money through financial investment, even if we don't want to do anything, how much money do you need to spend after retirement?

Suppose you are now 35 years old, with an annual income of 10,000 yuan, retired at the age of 50, and need to receive a 35-year pension, and you can receive 6,000 yuan from social security every month, in order to keep your quality of life from declining, in these 30 years, your pension gap is 4.02 million yuan!

So, even if you don't want to do anything, you want to earn income through your salary, but the problem of pension is also something you can't face, maybe you didn't realize it before, and you don't know how much it will cost, so I used a calculator to help you figure it out.

How much money to invest?

How much money is the right amount to invest? If you're a newbie, you might as well try 10%-20% of your monthly salary, or you can consider using your incremental salary to invest in your finances, which is exactly what I did.

What is incremental pay? For example, your year-end bonus or additional labor benefits, or the boss has given you a salary increase this year, for example, if it has increased by 1,000 yuan per month, then you can use the 1,000 yuan to make regular financial investment.

Why can incremental wages be tried? Because usually according to our original standard of living, you can still maintain your household expenses even if there is no incremental part. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But if we take it differently and use it for financial management, wouldn't this arrangement be better?

I think it's a good idea, and that's how I put it into practice.

Of course, if you are not a novice and already have some experience in investment and financial management, but you may not know how much to take to manage your finances, and you feel a little unplanned, then I can also give you some reference suggestions.

You can consider buying savings insurance that is stable and safe.

The first thing to do is to stop the car for the time being. Because the price of oil has not only risen, you can also change to a bicycle to ride or walk, which can not only exercise but also be environmentally friendly. In addition, during the rush hour, you don't have to queue up to get by, and it saves time.

By doing so, you can save $500 on gas and $80 on parking. The second is the **fee, if there is really no special thing, try not to chat with friends and colleagues, (**less, the radiation will be less, and the body will be healthier.) If you want to get together with friends and colleagues, you can make an appointment in advance.

Electricity bills can also be saved, usually less Internet, TV to watch the news, after dinner two out for a walk or exercise. (You can cultivate your mind and cultivate your nature, and you can also ** beauty.) It's dinner again, I'll do the math for you, breakfast yuan, lunch yuan, dinner yuan, (I'm talking about do-it-yourself, now I also advocate eating less meat and other foods, eating more vegetables, soy food, fruits.)

Total per day. Then it's a dollar per month (plus a little more), and everyone can save another dollar. If you calculate it in this way, you only need to have about enough living expenses every month, and you can still have a lot left.

You can deposit the rest of the money in the bank, let it accumulate into a lot, and then deposit it with regular interest. You can also take out part of it to buy some savings insurance (including dividend-paying ones), pay very little every year, you can save money, you can prevent old age, you can bring protection to your life, or you can save money for your children in the future. (You can pay for your child's living expenses, tuition fees, or marriage expenses, etc.)

You don't want to try my routine.

In the case of this 1200 monthly income, I suggest that the best way to manage your money is to save money, save as much as you can, even if it is a penny and a dollar, accumulate a lot, and then make a stable investment, so that it will slowly become a wealth.

One thing you can do is limit how much you can spend each month.

Open 2 cards, one is a salary card and the other is a savings card, if the salary is paid on the 10th of each month, then set up automatic transfer to the savings card on the salary card, and set up a one-year lump sum deposit on the savings card. Benefits: Payroll cards are used to spend, limiting the amount of money you can spend.

Spiritual position, if you work hard this month, the bonus is more, take 20% as a reward, and 80% into the savings card, so it is more. After a year, take out the money you have saved and withdraw and buy some bank-guaranteed investments. When you reach a certain amount, you can buy a house or some other big investment.

**,**,Yue Bao,Wealth Management,** and so on can be managed financially. The safest thing is that there is no risk in Yu'e Bao.

Yue Bao, and I want to use it at any time.

Hello, you may only be suitable for buying currency at present, that is, people often say baby financial products, major Internet companies have related products, banks also have, if you are familiar with a little bit can also go to the **company direct sales platform to buy. The monthly balance of about 2000 has to be available at any time, and this condition does limit your options to a large extent, and also limits your earnings to a large extent. In fact, at present, you may be better off trying to increase your income, such as learning a skill, such as finding some side hustles.

Let's develop financial resources first, and then think about capital income!

In the case of ensuring your basic expenses, you can try to do a long-term financial management for yourself, you can first learn about the insurance company's pension, accident, hospitalization or financial products. Plan ahead for the future.

Saving is the best option.

See what kind of investment you want to make!